How to Use Apple Pay Cash on iPhone/iPad

Apple Pay is an easy to use, simple and secure service that allows you to pay for goods and services rendered in apps, store and on different websites and allows you to send and receive funds from friends and family directly on Messages app. This article explains what Apple Pay Cash is, how to use Apple Pay Cash on iPhone/iPad, how it works, how to set it up, the different ways you can use it and how to send money with Apple Pay Cash in Message app.

What is Apple Pay Cash?

Apple Pay Cash is a subset of Apple Pay that allows you to send money from the cards set up on Apple Pay. The money is store in a virtual card called the Wallet and can then be used to pay for goods and services, send money to friends and family and even transfer money to your bank account using the balance on the card and Apple Pay.

How to Set up Apple Pay Cash?

Step 1: Open the Wallet app.

Step 2: Tap the “Apple Pay Cash” card that will appear.

Step 3: Follow the prompts and enable Apple Pay when asked to do so.

Step 4: Apple Pay Cash will be activated through the Settings app after a few seconds.

Step 5: The Apple Pay Cash card will then appear in the Wallet app.

Note: You can enable Apple Pay Cash by toggling on the “Apple Pay Cash” button found under Settings > Wallet > Apple Pay though this only works after you’ve set up Apple Pay Cash as detailed above.

How to Send Money using Apple Pay Cash in Messages App

Step 1: Launch the Messages app.

Step 2: Open a conversation with the person you wish to send the money to.

Step 3: Tap the “Apple Pay” icon.

Step 4: Enter the amount by using the keyboard or tapping on the “+” or “-” buttons.

Step 5: Tap “Pay”. (If you are requesting a payment tap “Request”.)

Step 6: Tap the blue button to send after previewing. For iPhone X approve using Face ID. For other iPhones, approve using Touch ID.

The Drawbacks Apple Pay Cash

Apple Pay Cash has some limitations, such as:

Inability to transfer money from gift cards to Apple Pay Cash.

You cannot use credit cards to transfer cards into your card.

Some prepaid cards cannot be used.

Can only be used with a number of devices running on iOS 11.2 or later such as iPhone SE, Apple Watch, iPhone 6 or later, 5th Generation iPad, iPad Pro, iPad Air 2 and iPad mini 3 or later.

Can only be used in the U.S.

Send a maximum of $3000 and a minimum of $10.

You need to set up Apple Pay on your device before setting up Apple Pay Cash. Though Apple Pay Cash has its limitations, they are easily overweighed by its functionality. If you are worried that your personal info may leak while using Apple Pay Cash, I recommend you use an app like Tenorshare iCareFone to wipe sensitive data to secure your privacy from identity theft.